Compare Sturgis, SD Car Insurance Rates (2021)

Car insurance in Sturgis, SD averages $352 a month. Sturgis, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Sturgis car insurance rates, compare quotes from the top car insurance companies in Sturgis, SD.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Sturgis is State Farm
  • The cheapest car insurance company in Sturgis for teen drivers is State Farm
  • Average car insurance rates in Sturgis, SD are $4,229/year

If you need to buy Sturgis, South Dakota car insurance, the options can be confusing. Everything you need to know about car insurance in Sturgis, SD is right here.

You’ll find Sturgis car insurance rates, the cheapest Sturgis, SD car insurance companies, and information on South Dakota car insurance laws. You can also compare Sturgis, South Dakota car insurance rates to Pierre car insurance rates, Box Elder car insurance rates, and Spearfish car insurance rates.

Ready to find affordable Sturgis, SD car insurance today? Enter your ZIP code for fast, free Sturgis car insurance quotes.

Cheapest Sturgis, SD Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Sturgis, SD car insurance rates? Every Sturgis, South Dakota car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Sturgis, South Dakota

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,537 $2,592 $2,237 $2,394 $10,479 $12,509 $2,871 $3,138
American Family $2,671 $2,671 $2,378 $2,378 $5,673 $8,308 $2,671 $3,281
Farmers $2,236 $2,247 $1,970 $2,044 $9,685 $10,082 $2,490 $2,663
GEICO $2,189 $2,062 $2,090 $1,926 $4,505 $5,300 $1,919 $1,836
Liberty Mutual $4,886 $5,320 $3,854 $4,689 $18,627 $20,919 $5,142 $5,726
Nationwide $2,157 $2,221 $1,922 $2,061 $4,690 $6,095 $2,419 $2,640
Progressive $2,666 $2,652 $2,195 $2,249 $9,005 $10,286 $3,339 $3,465
State Farm $1,464 $1,464 $1,269 $1,269 $3,717 $4,749 $1,641 $1,854

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Minimum Car Insurance in Sturgis, SD

Every driver must carry the minimum car insurance in Sturgis, SD. Take a look at the South Dakota car insurance requirements.

Minimum Required Car Insurance Coverage in Sturgis, South Dakota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Sturgis, SD Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Sturgis, SD. Compare credit history car insurance rates in Sturgis from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Sturgis, South Dakota

Insurance Company Poor Fair Good
Allstate $5,908 $4,618 $4,008
American Family $4,836 $3,484 $2,941
Farmers $4,731 $3,981 $3,819
GEICO $4,421 $2,244 $1,520
Liberty Mutual $12,534 $7,509 $5,894
Nationwide $3,667 $2,879 $2,531
Progressive $5,215 $4,289 $3,942
State Farm $3,170 $1,896 $1,469

Cheapest Sturgis, SD Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Sturgis, SD to rates for a clean record with top companies.

Annual Sturgis, South Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,015 $4,669 $6,200 $4,494
American Family $2,721 $4,023 $5,158 $3,112
Farmers $3,568 $4,492 $4,382 $4,265
GEICO $1,725 $2,913 $4,551 $1,725
Liberty Mutual $7,291 $9,038 $9,408 $8,844
Nationwide $2,174 $3,034 $4,363 $2,531
Progressive $3,876 $5,190 $4,185 $4,677
State Farm $2,033 $2,324 $2,178 $2,178

Cheapest Sturgis, SD Car Insurance for Teen Drivers

Teen car insurance in Sturgis, SD can be expensive. Take a look at rates from the top car insurance companies in Sturgis for teenagers.

Annual Car Insurance Rates for Teen Drivers in Sturgis, South Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,479 $12,509
American Family $5,673 $8,308
Farmers $9,685 $10,082
GEICO $4,505 $5,300
Liberty Mutual $18,627 $20,919
Nationwide $4,690 $6,095
Progressive $9,005 $10,286
State Farm $3,717 $4,749

Cheapest Sturgis, SD Car Insurance for Seniors

Take a look at Sturgis, SD senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Sturgis, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,237 $2,394
American Family $2,378 $2,378
Farmers $1,970 $2,044
GEICO $2,090 $1,926
Liberty Mutual $3,854 $4,689
Nationwide $1,922 $2,061
Progressive $2,195 $2,249
State Farm $1,269 $1,269

Cheapest Sturgis, SD Car Insurance Rates After a DUI

A DUI in Sturgis, SD increases car insurance rates. Compare Sturgis, South Dakota DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Sturgis, South Dakota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,200
American Family $5,158
Farmers $4,382
GEICO $4,551
Liberty Mutual $9,408
Nationwide $4,363
Progressive $4,185
State Farm $2,178

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Cheapest Sturgis, SD Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Sturgis, SD by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Sturgis, South Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,726 $4,963
American Family $3,709 $3,799
Farmers $4,177 $4,177
GEICO $2,695 $2,762
Liberty Mutual $8,645 $8,645
Nationwide $3,026 $3,026
Progressive $4,482 $4,482
State Farm $2,126 $2,231

The Best Cheap Car Insurance Companies in Sturgis, SD

Take a look at a side-by-side comparison of the top car insurance companies in Sturgis, SD to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Sturgis, South Dakota

Insurance Company Average Annual Rates
Allstate $4,845
American Family $3,754
Farmers $4,177
GEICO $2,728
Liberty Mutual $8,645
Nationwide $3,026
Progressive $4,482
State Farm $2,178

Category Winners: Cheapest Car Insurance in Sturgis, South Dakota

Find the cheapest car insurance companies in Sturgis, SD for each category right here.

Best Annual Car Insurance Rates by Company in Sturgis, South Dakota

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record GEICO
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Cheapest Sturgis, SD Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Sturgis car insurance rates. Find the cheapest Sturgis, SD car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Sturgis, South Dakota

Insurance Company Low Medium High
Allstate $4,692 $4,836 $5,007
American Family $3,756 $3,859 $3,646
Farmers $4,019 $4,137 $4,375
GEICO $2,638 $2,725 $2,822
Liberty Mutual $8,486 $8,632 $8,819
Nationwide $2,847 $3,013 $3,217
Progressive $4,381 $4,448 $4,617
State Farm $2,107 $2,179 $2,248

What affects car insurance rates in Sturgis, South Dakota?

What factors can have an impact on Sturgis, SD car insurance? There are several reasons why Sturgis car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Sturgis, South Dakota.

Car Theft in Sturgis

High levels of vehicle theft can make car insurance more expensive. Sturgis, SD car theft statistics from the FBI indicate 4 vehicle thefts a year.

Commute Time in Sturgis

The more time you spend in your car the higher the risk of an accident. The average commute length in Sturgis, SD is 16.9 minutes according to City-Data.

Compare Car Insurance Quotes in Sturgis, SD

Ready to find affordable Sturgis, South Dakota car insurance today? Enter your ZIP code for fast, free Sturgis, SD car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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